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  Thu May 16

Spirit's Promise Horse Rescue

   
  Sat May 18

LONG ISLAND HORSE PROPERTIES

LONG ISLAND HORSE PROPERTIES

 

OVER 30 + YEARS EXPERIENCE

Long Island Horse properties has knowledge of the banks who will fund your homes and purchases!

Long Island Horse Properties is a full-service real estate company, we help you with every aspect of your purchase and sale.

 

**Bankers who understand your needs, and the value of a horse property. 

 

Long Island Horse Properties has NO competition

Our company has MANY listings exclusive only to us

All of our homes are featured in our websites 


Our Properties are sent into our nightly newsletter which reaches over 15,000 People each night.

DO NOT BE FOOLED BY OTHERS CLAIMING TO BE HORSE PROPERTY SPECIALISTS - IT TAKES MANY YEARS  IN THE INDUSTRY TO BE A SPECIALIST!

We can provide you with any other agents listings ( Just ask). You may be surprised to find  OTHER AGENTS  do not have any at all or possibly one or two that are not even horse related homes. Make sure you do not sign and agreement that you are working exclusively with them. Do not sign any buyer's agency agreements!  It may cost you a double commission. In most cases it does.  Many buyer's this year had to pay double what they should have because of these new agents asking you to sign a buyer's agency disclosure ..........Please beware 


KNOW WHAT YOUR SIGN *  WE NEVER ASK FOR SUCH A FORM TO BE SIGNED BY OUR CUSTOMERS. 

   
  Mon May 13

NYS DEC Licensed NWCO

   
  Sat May 18

NYS DEC

   
  Fri May 17

NEW HORSE PROPERTIES

 NEW LISTINGS with barns on trails!!

EXCLUSIVE ONLY TO US AND OUR PRIVATE BUYERS

**OUR PRIVATE CUSTOMERS ARE SHOWN OUR EXCLUSIVE LISTINGS 

* We do not share our private inventory with buyers agents 


office@lihorseproperties.com



 

   
  Fri May 17

LONG ISLAND STABLE MATES SINGLES FACEBOOK

Come Check Out Our New Page On Facebook


Single Horse People ONLY


Click The Below Link 


Long Island Stable Mates


First Ten Horse People Will Get One Liequine Ad For Six Months


   
  Fri May 17

Private Mortgage Insurance explained

Private Mortgage Insurance (PMI) 

If your down payment on a home is less than 20 percent of the appraised value or sale price, you must obtain private mortgage insurance, known as PMI, with your lender. This will enable you to obtain a mortgage with a lower down payment because your lender is now protected against any default on the loan.

 

PMI charges vary depending on the size of the down payment and the loan, but they typically amount to about one-half of 1 percent of the loan, according to the Mortgage Bankers Association of America. Mortgage insurance premiums are not tax deductible.

 

Example

Let's say you put down 10 percent or $10,000 on a $100,000 house. The lender multiplies the 90 percent loan, or $90,000, by .005. The result is an annual PMI of $450, which is divided into monthly payments of $37.50.

 

Most home buyers need PMI because 20 percent of the sale price on a home is a lot of money; for instance, that's $20,000 on a $100,000 home. Home buyers must maintain the PMI premiums until they cross that one-fifth-of-principal threshold, a process that can take years in longer-term mortgages.

 

Tip

Keep track of your payments on the principal of the mortgage. When you reach the point where the loan-to-value ratio hits 80 percent, notify the lender that it is time to discontinue the PMI premiums. The Homeowners Protection Act of 1998, which took effect in 1999, requires lenders to tell the buyer at closing how many years and months it will take for them to reach that 80 percent level and cancel PMI. Lenders must automatically cancel PMI when the balance hits 78 percent.

Note: The law does allow lenders to continue requiring PMI all the way down to 50 percent equity for so-called high-risk borrowers. Traditionally, those loans that are considered riskier include reduced documentation loans, in which customers provide less proof of income and other information during the approval process. Loans for people with spotty credit histories and higher debt-to-income ratios also fall into this category. Additionally, some FHA loans require payment of PMI throughout the entire life of the loan.

 

Ways to avoid PMI

In today's market, there are some new ways to avoid mortgage insurance even when you don't have the standard 20 percent down payment.

 

Pay more interest: Some lenders will waive the mortgage insurance requirement if the buyer accepts a higher interest rate on the mortgage loan. The rate increases generally range from .75 percent to 1 percent, depending on the down payment. The advantage is that mortgage interest is tax deductible.

 

Using an "80-10-10" loan: This program involves two loans and a 10 percent down payment. The 90 percent loan is financed with a first mortgage equal to 80 percent of the sale price, and a second mortgage for the remaining 10 percent of the sale price. The second mortgage has a higher interest rate but since it applies to only 10 percent of the total loan, the monthly payments on the two mortgages are still lower than paying one mortgage with mortgage insurance. Plus, again, there is the advantage of mortgage interest being tax deductible.

 

Example: If we compare the purchase of a $100,000 home under the "80-10-10" plan with a standard fixed mortgage including PMI, we find that the former is $17.45 cheaper each month.

 

Here's how it works. Under the "80-10-10" plan, the 10 percent down payment on a $100,000 house is $10,000. The first mortgage is $80,000 at 7.50 percent, which comes to a monthly payment of $559. The second mortgage for $10,000 has a 9.50 percent interest rate, making a monthly payment of $84. Total monthly payments of the two loans: $643.

 

With a $10,000 down payment, one mortgage of $90,000 at 7.50 percent has a monthly payment of $629, plus PMI of $31.45, making a total payment of $660.45.

 Sharyn Guzzi

631-902-0342

 

 

   
  Fri May 17

Our Current Listings 4/22/19. MOST OF THEM SOME WE CAN'T SHARE HERE

Current Listings
   
  Sat May 18

What happens when you place an advertisement on L.I.Equine?

The L.I.Equine Newsletter has over 15,300 people on the email list. 

The emails go out to everyone who signs up for the free nightly newsletters.

When you place an ad on the site, you will get a confirmation email and receipt sent to you. 

This does not mean that the ad was placed - it is a confirmation that it was received. 

Most ads that are sent in are placed the following day.

You are not billed from when you get your receipt you are billed from when the ad gets sent out to the newsletter list.

We try to place your ads at least once every two weeks and sometimes more. 

There is a 10 dollar fee that is extra to place links that take you to other sites or your own site.

Our website gets over 1 million unique users per month. These are available to anyone who wishes to place an ad. The stats are run by Go Daddy where we have our own dedicated servers. They are highly accurate.  

If you can not place the advertisement yourself our staff is happy to assist you.

Our office number is 631-979-2965 our office email is office@lihorseproperties.com you can also email sharyn@lihorseproperties.com ( but Sharyn does not do the advertisements). The office staff works on the site ads (Kerrin or Breanna). You can also reply to the newsletter that will go directly to Sharyn's e mail account.

To place an advertisement go to the site

www.liequine.com

Then go to either sign on and advertise with us

or sign up then advertise with us.

We are very happy to assist you with any ads you may wish to run.

   
  Tue May 14

Long Island PARROT SOCIETY


BELOW IS OUR WEBSITE: 

http://liparrots.co

 

ADOPT A BIRD 

SEE OUR SHOWS 

JOIN OUR CLUB 

BIRD PET SITTING LIST ON OUR WEBSITE 

631-957-1100

info@liparrotsociety.org

   
   
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